Patronage Calculator


* Calculations based on as if the loan was made January 1, 2021.

The Association has consistently made capital distributions in each of the last several years. However, past distributions should not be construed as potential future distributions. Each year, the Association's board of directors will make a decision regarding capital distributions after evaluating the Association's total capital and overall financial condition.

Information provided above is for informational purposes only. Actual patronage dividends may vary.

Patronage that Pays

We're a cooperative, meaning our borrowers are also owners and share in our profits. A portion of profits are returned through our cooperative returns program, with benefits that include:

  • A return of your share of the earnings
  • Reduction of your borrowing cost
  • Allocated equities recorded in your name for future disbursement consideration

How does it work?
Capital Farm Credit's board of directors annually reviews the financial health of the cooperative and decides how profits are returned — whether as cash or as allocated equity.

A portion is distributed to eligible borrowers as cash in the spring. The remainder is reinvested back into the cooperative in what we call allocated equities accounts. As conditions allow, our board of directors will elect to return a portion of these accounts each year, usually in the fall.

How much can you receive?
Your share of the cooperative return is based on your contributions to the earnings of the association. Since 2006, Capital Farm Credit's combined cash returned and allocated equities for members, through our cooperative returns program, is more than $2 billion.

Want to learn more? Contact Us.

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